COBRA Insurance Cost Calculator
Last updated: October 15, 2026
Estimate monthly and total COBRA continuation coverage cost from employee and employer premium shares.
Starting figures illustrate this model. Enter your own measurements, quoted costs and applicable terms; this page does not retrieve live prices or provider rates.
Estimated monthly COBRA premium
—
- Full monthly group premium: —
- Monthly administrative charge: —
- Total cost for selected months: —
- Increase from current employee share: —
On this page
Quick summary: Estimate monthly and total COBRA continuation coverage cost from employee and employer premium shares.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate monthly and total COBRA continuation coverage cost from employee and employer premium shares.
How to use it
Enter Current employee monthly premium share ($); Current employer monthly premium share ($); Administrative fee (%); Months of continuation coverage. Select Calculate to update the results.
How the calculation works
COBRA cost is modeled as the full employee-plus-employer group premium plus the entered administrative percentage, multiplied by the selected coverage months.
Worked example: starting scenario
| Current employee monthly premium share ($) | 250 |
|---|---|
| Current employer monthly premium share ($) | 750 |
| Administrative fee (%) | 2 |
| Months of continuation coverage | 18 |
| Estimated monthly COBRA premium | $1,020.00 |
|---|---|
| Full monthly group premium | $1,000.00 |
| Monthly administrative charge | $20.00 |
| Total cost for selected months | $18,360.00 |
| Increase from current employee share | $770.00 |
Important limitations
Eligibility, maximum duration, disability extensions, state continuation rules and actual plan premiums vary. Confirm figures with the plan administrator.